• (Round) to four decimal places after each rating step unless otherwise indicated.
• If (applicable) factor does not apply, multiply by 1.0000. Territory Base Rate x Loss Cost Multiplier = R1 (Round) R1 x Increased Limit Factor = R2 (Round)
R3 x Term Factor = R4 (Round to nearest dollar) R4 x Tier Factor = R5 (Round)
Primary Class Factor + Secondary Class Factor = R5 (Round) R4 x R5 = R6 (Round)
R6 x Loss Free Discount (if applicable) = R7 (Round) R7 x Renewal Discount (if applicable) = R8 (Round) R8 x Auto/Home Discount (if applicable) = R9 (Round) R9 x VPD = R10 (Round)
R10 x Driving Violation Surcharge Factor (if applicable) = Coverage Premium (Round to nearest dollar) Property Damage –PD
• (Round) to four decimal places after each rating step unless otherwise indicated.
• If (applicable) factor does not apply, multiply by 1.0000. Territory Base Rate x Loss Cost Multiplier = R1 (Round) R1 x Increased Limit Factor = R2 (Round)
R3 x Term Factor = R4 (Round to nearest dollar) R4 x Tier Factor = R5 (Round)
Primary Class Factor + Secondary Class Factor = R5 (Round) R4 x R5 = R6 (Round)
R6 x Loss Free Discount (if applicable) = R7 (Round) R7 x Renewal Discount (if applicable) = R8 (Round) R8 x Auto/Home Discount (if applicable) = R9 (Round) R9 x VPD = R10 (Round)
R10 x Driving Violation Surcharge Factor (if applicable) = Coverage Premium (Round to nearest dollar) Medical Payments –MED
• (Round) to four decimal places after each rating step unless otherwise indicated.
• If (applicable) factor does not apply, multiply by 1.0000. Territory Base Rate x Loss Cost Multiplier = R1 (Round) Increased Limit Additive x Increased Limit Factor = R2 (Round) R1 + R2 = R3 (Round)
R3 x Increased Limit Factor = R4 (Round) R4 x Term Factor = R5 (Round to nearest dollar) R5 x Tier Factor = R6 (Round)
Primary Class Factor + Secondary Class Factor = R7 (Round) R6 x R7 = R8 (Round)
R8 x Loss Free Discount (if applicable) = R9 (Round) R9 x Renewal Discount (if applicable) = R10 (Round) R10 x Auto/Home Discount (if applicable) = R11 (Round) R11 x VPD = R12 (Round)
Wilson Mutual--Wisconsin (07-10) PA 25.0 RATING RISKS (continued)
Uninsured Motorists –UM
• (Round) to four decimal places (after each rating step unless otherwise indicated.
• If (applicable) factor does not apply, multiply by 1.0000.
Territory Base Rate for Applicable Limit x Loss Cost Multiplier = R1 (Round) R1 x Term Factor = R2 (Round to nearest dollar)
R2 x Tier Factor = R3 (Round)
R3 x Loss Free Discount (if applicable) = R4 (Round) R4 x Renewal Discount (if applicable) = R5 (Round) R5 x Auto/Home Discount (if applicable) = R6 (Round) R6 x VPD (if applicable) = R7 (Round)
R7 x Driving Violation Surcharge (if applicable) = Coverage Premium (Round to nearest dollar) Underinsured Motorists –UIM
• (Round) to four decimal places (after each rating step unless otherwise indicated.
• If (applicable) factor does not apply, multiply by 1.0000.
Territory Base Rate for Applicable Limit x Loss Cost Multiplier = R1 (Round) R1 x Term Factor = R2 (Round to nearest dollar)
R2 x Tier Factor = R3 (Round)
R3 x Loss Free Discount (if applicable) = R4 (Round) R4 x Renewal Discount (if applicable) = R5 (Round) R5 x Auto/Home Discount (if applicable) = R6 (Round) R6 x VPD (if applicable) = R7 (Round)
R7 x Driving Violation Surcharge Factor (if applicable) = Coverage Premium (Round to nearest dollar) Comprehensive –CMP (without customizing equipment)
• (Round) to four decimal places (after each rating step unless otherwise indicated.
• If (applicable) factor does not apply, multiply by 1.0000. Territory Base Rate x BMY Change Factor = R1 (Round) R1 x CMP OFF Balance Factor = R2 (Round)
R2 x Loss Cost Multiplier = R3 (Round) R3 x Symbol/Year Relativity = R4 (Round) R4 x Term Factor = R5 (Round to nearest dollar) R5 x Tier Factor = R6 (Round)
R6 x Deductible Factor = R7 (Round)
R7 x Full Safety Glass Factor (if applicable) = R8 (Round) Primary Class Factor + Secondary Class Factor = R9 (Round) R8 x R9 = R10 (Round)
R10 x Loss Free Discount (if applicable) = R11 (Round) R11 x Renewal Discount (if applicable) = R12 (Round) R12 x Auto/Home Discount (if applicable) = R13 (Round) R13 x VPD (if applicable) = R14 (Round)
Wilson Mutual--Wisconsin (07-10) PA 26.0
RATING RULES (continued)
RATING RISKS (continued)
Collision –COL (without customizing equipment)
• (Round) to four decimal places (after each rating step unless otherwise indicated.
• If (applicable) factor does not apply, multiply by 1.0000. Territory Base Rate x BMY Change Factor = R1 (Round) R1 x COL OFF Balance Factor = R2 (Round)
R2 x Loss Cost Multiplier = R3 (Round) R3 x Symbol/Year Relativity = R4 (Round) R4 x Term Factor = R5 (Round to nearest dollar) R5 x Tier Factor = R6 (Round)
R6 x Deductible Factor = R7 (Round)
Primary Class Factor + Secondary Class Factor = R8 (Round) R7 x R8 = R9 (Round)
R9 x Loss Free Discount (if applicable) = R10 (Round) R10 x Renewal Discount (if applicable) = R11 (Round) R11 x Auto/Home Discount (if applicable) = R12 (Round) R12 x VPD (if applicable) = R13 (Round)
R13 x Driving Violation Surcharge Factor (if applicable) = Coverage Premium (Round to nearest dollar) Towing & Labor –T&L
• (Round) to four decimal places (after each rating step unless otherwise indicated.
• If (applicable) factor does not apply, multiply by 1.0000.
Loss Cost for Applicable Limit x Loss Cost Multiplier = R1 (Round to nearest dollar) R1 x Term Factor = R2 (Round to nearest dollar)
R2 x Loss Free Discount (if applicable) = R3 (Round) R3 x Renewal Discount (if applicable) = R4 (Round) R4 x Auto/Home Discount (if applicable) = R5 (Round)
R5 x Driving Violation Surcharge (if applicable) = Coverage Premium (Round to nearest dollar) Rental Reimbursement –RR
• (Round) to four decimal places (after each rating step unless otherwise indicated.
• If (applicable) factor does not apply, multiply by 1.0000.
Loss Cost for Applicable Limit x Loss Cost Multiplier = R1 (Round to nearest dollar) R1 x Term Factor = R2 (Round to nearest dollar)
R2 x Loss Free Discount (if applicable) = R3 (Round) R3 x Renewal Discount (if applicable) = R4 (Round) R4 x Auto/Home Discount (if applicable) = R5 (Round)
Wilson Mutual--Wisconsin (10-11) PA 27.0 RATING RISKS (continued)
Territory Base Rates:
Territory BI (110) PD (120) MP (130) COMP (210) COLL (200)
2 383.80 374.20 39.40 156.40 609.80 3 361.80 375.40 38.80 155.40 600.20 4 300.00 293.00 33.00 266.00 604.40 5 288.80 299.60 22.60 139.80 481.00 6 182.20 265.20 23.00 262.40 386.00 7 229.60 279.60 25.60 173.20 452.80 8 237.40 297.00 25.00 201.00 470.20 9 238.60 237.60 27.80 455.80 570.00 10 232.40 254.00 25.80 259.40 499.60 11 228.80 256.80 25.60 227.60 467.60 13 254.40 306.60 26.60 153.40 523.40 14 423.80 381.20 41.80 239.60 751.40 15 355.80 404.60 33.40 194.00 613.20 16 233.80 214.80 28.60 495.60 509.40 17 263.00 226.80 25.60 363.80 461.20
Uninsured (UM) Single Car Territory Base Rates:
100/300 250/500 500/500 Territories 2, 3,& 15 89.60 106.60 115.60
Territory 13 53.40 64.80 70.40
Territory 14 129.60 158.00 173.40
All Other Territories 53.40 64.80 70.40 Uninsured (UM) Multi Car Territory Base Rates:
100/300 250/500 500/500 Territories 2, 3,& 15 80.60 93.60 101.40
Territory 13 48.00 56.20 60.80
Territory 14 120.00 137.40 150.00
All Other Territories 48.00 56.20 60.80 Underinsured (UIM) Single Car Territory Base Rates:
100/300 250/500 500/500 Territories 2, 3,& 15 61.60 132.20 172.20
Territory 13 47.40 95.20 122.80
Territory 14 71.20 150.80 195.80
All Other Territories 47.40 95.20 122.80
Underinsured (UIM) Multi Car Territory Base Rates:
100/300 250/500 500/500 Territories 2, 3,& 15 80.40 136.40 164.40
Territory 13 58.40 99.00 118.20
Territory 14 87.60 156.80 187.60
Wilson Mutual--Wisconsin (10-11) PA 28.0
RATING RULES (continued)
RATING RISKS (continued) Towing & Labor Base Rates:
25 50 75 100 125
3.36 5.62 7.85 11.21 13.45 Rental Reimbursement Base Rates:
20/600 30/900 11.87 24.93 Loss Cost Multipliers:
Bodily Injury (BI) 1.0000
Property Damage (PD) 1.0000 Medical Payments (MP) 1.0000 Comprehensive (COMP) 1.0000
Collision (COL) 1.0000
Uninsured Motorist (UM) 1.0000 Underinsured Motorist (UIM) 1.0000 Towing & Labor 1.0000 Rental Reimbursement 1.0000 Bodily Injury Increased Limit Factors:
100/300 250/500 500/500 500/1 Million
1.4500 1.6300 1.7800 1.9100
Property Damage Increased Limit Factors:
25,000 50,000 100,000 250,000 300,000 500,000 1.0400 1.0700 1.1100 1.2100 1.2300 1.2700 Medical Payments Increased Limit Factors:
10,000 3.1600 Medical Payments Increased Limit Additive:
10,000 0 Uninsured Motorists (UM) Increased Limit Loss Cost:
Single Car Multi Car
100/300 0 0
250/500 0 0
Wilson Mutual--Wisconsin (07-10) PA 29.0 RATING RISKS (continued)
BMY Change Factor: 1.6289
Comp Off Balance Factor: 0.9990 Coll Off Balance Factor: 1.0140 Term Factor: 1.0000
Tier Factors:
Tier 1 Tier 2 Tier 3 Tier 4 0.6500 0.8000 1.0000 1.2500 Comprehensive Deductible Factors:
$0 $50 $100 $250 $500 $1000
1.1800 1.0900 1.0000 0.7900 0.6300 0.4700
Full Safety Glass Coverage Deductible Factors (applicable to Comprehensive Coverage Only):
$50 $100 $250 $500 $1000
1.0100 1.1000 1.2000 1.3000 1.4000 Collision Deductible Factors:
$100 $200 $250 $500 $1000 1.0500 1.0000 0.9800 0.8500 0.7000
Wilson Mutual--Wisconsin (10-11) PA 30.0
RATING RULES (continued)
RATING RISKS (continued) Discount & Surcharge Factors
Loss Free Discount:
Years Loss Free Factor 1 Year Loss Free 0.9700 2 Years Loss Free 0.9400 3+ Years Loss Free 0.9000 Renewal Discount:
Renewal Term Factor 1st Renewal 0.9700 2+ Renewals 0.9400 Auto/Home Discount: 0.83 Factor
Valued Policyholder Discount (VPD): Discount Levels:
No Score-0* 0.90 Score 660-669 0.90 Score 740-749 0.79 No Hit-1** 0.82 Score 670-679 0.89 Score 750-799 0.76 Score 600-609 0.94 Score 680-689 0.88 Score 800-849 0.72 Score 610-619 0.94 Score 690-699 0.88 Score 850-899 0.70 Score 620-629 0.93 Score 700-709 0.83 Score 900-949 0.68 Score 630-639 0.93 Score 710-719 0.82 Score 950-999 0.68 Score 640-649 0.92 Score 720-729 0.82
Score 650-659 0.91 Score 730-739 0.80
*No Score-Wilson is unable to retrieve a credit record for an individual
** No Hit-Wilson is able to retrieve a record, but that record does not contain enough credit history to develop a score
Driving Violation Surcharge:
# Driving Violations Surcharge Factor
1 1.0000
2 1.0000
3 1.1000
4 1.2000
Wilson Mutual--Wisconsin (07-10) PA 31.0 RATING FACTORS AND CODES
No Youthful Operator
*Pleasure DRIVE FROM WORK OR Farm Business
AGE Use SCHOOL Use Use
Less than 15 or
15 Miles
More
Miles
Principal Operator Factor 1.08 1.18 1.28 0.93 1.33
Age 75 & Over Code 8031 -- 8032 -- 8033 -- 8039 -- 8038 --
Principal Operator Factor 0.90 1.00 1.10 0.75 1.15
Age 65-74 Code 8801 -- 8802 -- 8803 -- 8809 -- 8808 --
Principal Operator Factor 0.85 0.95 1.05 0.70 1.10
Age 50-64 Code 8851 -- 8852 -- 8853 -- 8859 -- 8858 --
Only operator in
household Factor 1.00 1.10 1.20 0.85 1.25
Female Age 30-45 Code 8861 -- 8862 -- 8863 -- 8869 -- 8868 --
All other Factor 1.00 1.10 1.20 0.85 1.25
Code 8871 -- 8872 -- 8873 -- 8879 -- 8878 --
Youthful Operator—Not Eligible for Good Student Credit
UNMARRIED FEMALE
AGE Not Owner or Principal Operator Owner or Principal Operator
*Pleasure Use Drive to Work *Pleasure Use Drive to Work
or farm use 3 Miles & Over or Farm Use 3 Miles & Over
17 or Factor 1.85 2.00 2.55 2.70 Less Code 8064-- 8065-- 8164-- 8165-- 18 Factor 1.75 1.90 2.20 2.35 Code 8074-- 8075-- 8174-- 8175-- 19 Factor 1.75 1.90 2.20 2.35 Code 8084-- 8085-- 8184-- 8185-- 20 Factor 1.75 1.90 2.20 2.35 Code 8094-- 8095-- 8194-- 8195-- 21 thru Factor 1.30 1.45 1.60 1.75 24 Code 8254-- 8255-- 8354-- 8355--
Wilson Mutual--Wisconsin (07-10) PA 32.0